Terms of Service

1. Acceptance of Terms

By accessing or using LendIQ ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

2. About LendIQ

LendIQ is a financial technology platform that uses artificial intelligence to match small businesses with third-party lenders. LendIQ is not a bank, lender, or broker of record in all jurisdictions. Loan offers, terms, and approvals are provided solely by participating lenders.

3. Eligibility

You must be at least 18 years old, an authorized representative of the business applying, and operate a business legally registered in the United States.

4. Application & Information

You agree to provide accurate, complete, and current information. You authorize LendIQ and its lender partners to verify the information you submit, including via soft credit inquiries.

5. No Guarantee of Funding

Submission of an application does not guarantee a loan offer. All credit decisions are made by individual lenders based on their own underwriting criteria.

6. Fees

LendIQ does not charge applicants to use its matching service. Lenders may charge origination or other fees, which will be disclosed before you accept an offer.

7. Communications

By submitting an application, you consent to receive communications from LendIQ and matched lenders by email, phone, and SMS regarding your application.

8. Intellectual Property

All content, branding, software, and AI models on the Service are owned by LendIQ or its licensors and are protected by intellectual property laws.

9. Limitation of Liability

To the maximum extent permitted by law, LendIQ is not liable for any indirect, incidental, or consequential damages arising from your use of the Service or any loan offer or transaction with a lender.

10. Changes to Terms

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the new Terms.

11. Contact

Questions? Contact legal@lendiq.example.